Senior Credit Collections Specialist

Position Summary

Dryco Building Supplies Inc. is seeking an experienced Senior Credit & Collections Specialist to work closely with our National Credit Manager.

This is not simply a collections position. The successful candidate will be responsible for managing customer credit and collections while maintaining the commercial judgement necessary to support good customers and good business.

We are looking for someone who knows when to push, when to negotiate, when to make an arrangement, and when an account has reached the point where further credit exposure is no longer appropriate.

The successful candidate should be comfortable having difficult conversations, making decisions with incomplete information, and balancing the need to protect Dryco's receivables with the importance of maintaining strong customer relationships.

Over time, this individual will develop a broad understanding of Dryco's credit function and should have the capability and ambition to assume greater responsibility within the department.

Key Responsibilities

• Manage a portfolio of customer accounts and actively follow up on overdue receivables.
• Conduct professional, persistent and effective collection conversations.
• Investigate payment issues rather than simply requesting payment.
• Develop payment arrangements and negotiated solutions when commercially appropriate.
• Assess customer creditworthiness and recommend appropriate credit limits and terms.
• Recognize deteriorating accounts and escalate risk before losses occur.
• Work with branch managers and sales personnel to resolve customer and credit issues.
• Balance credit risk with the commercial realities of retaining good customers.
• Review account history, payment patterns, aging information and other available information to support credit decisions.
• Document collection activity, commitments, disputes and payment arrangements.
• Assist with credit applications, account maintenance and security documentation.
• Support higher-risk accounts, collection escalations and other complex credit situations.
• Assist the National Credit Manager with reporting, policies, processes and credit administration.
• Develop sufficient working knowledge of Dryco's national credit function to provide coverage for the National Credit Manager when required.
• Identify opportunities to improve credit and collection processes.

What We're Looking For

We are looking for someone who is:

Firm without being rigid.

They must be willing to ask directly for money and hold customers accountable, but understand

that the objective is collecting the receivable, not winning the argument.

Commercially minded.

They understand that a customer who owes Dryco money may also be an important long-term customer. Sometimes the best outcome is a reasonable arrangement rather than an ultimatum.

Comfortable making judgement calls.

Not every situation will fit neatly within a policy.

Calm under pressure.

Collections involves rejection, excuses, disputes and occasional confrontation. The person cannot take those interactions personally.

Persistent.

They follow through and do not allow uncomfortable accounts to quietly disappear down the aging.

A strong communicator and listener.

They need to understand why the customer isn't paying before deciding what to do.

Sceptical, but reasonable.

They shouldn't believe every story they hear, but they also shouldn't assume every customer is acting in bad faith.

Able to see the bigger picture.

They need to understand the relationship between credit, sales, margins, customer relationships and bad-debt risk.

Accountable and organized.

Maintains accurate records of customer agreements, payment schedules, and follow-up actions, ensuring timely execution and consistent accountability across all accounts.

Potential leadership material.

While we aren't expecting you to step in as our National Credit Manager on day one, we are looking for someone with the drive, business acumen, and leadership potential to grow into the head of the department over time.